Non Listed Companies Home Loans with
Variable And Fixed Interest Rate

• Rates as low as 2.75%
• Borrow up to 80% of the value of your home
• Flexible repayment schedule
• Choose the rates and durations that suit you
• Borrow up to AED 20m
• Life and property insurance coverage
• Processing fees as low as 1%
• Solutions available for UAE nationals, GCC nationals (both UAE resident and non-resident), and other expats living in the UAE

Starting from 1.99% per year for a two-year fixed interest rate.

Multiple fixed-rate options available so you can choose the payments and durations that suit you:
- 2 years starting from 1.99% per year
- 3 years starting from 2.19% per year
- 5 years starting from 2.49% per year

*Applicable rate shall apply after completion of the selected introductory period of 24 or 12 months.

Terms and conditions apply.
Features and benefits are subject to alteration/cancellation.

• No approval-in-principle fees. Check your eligibility at no cost.
• Reduced processing fee: 0.5% + VAT
• Down Payment : 15% for UAE Nationals and 20% for ResidencesDown Payment  
  • Borrow up to 85% of the value of your home for UAE national first-time buyers
  • Borrow up to 80% of the value of your home for expat first-time buyers
• Borrow up to AED 20 million
• Shariah compliance also is applicable

Buyout Loans

• No processing fees on buyout Loans
• Refund of valuation fees up to AED 3,000 per property
• Refund of up to AED 10,000 per property for buyout fees

After the introductory period, all rates will revert to a variable rate based on the bank defined mortgage base rate and a pre-agreed margin.

• 3 Years fixed rates starting 2.69%* for salaried customers and 3.49% for Self Employed customers
• Home in One links your current account balances to your mortgage facility in order to reduce the mortgage balance you’re charged interest on - this will help reduce your mortgage payments each month
• Your low yielding deposits once placed in Home in One will yield the same rate as that on the loan. Additionally, you will have instant access to your funds.
• Every deposit you make lowers your interest payments reducing your Facility tenor
• You can withdraw your available balance at any time, just like any current account
• Interest is calculated on your daily balances, reducing the effective rate of interest 
• The Account offers all facilities of a Current Account i.e. Debit Card, Cheque book, Internet and Mobile banking.
• Get a Emirates Skywards Credit Card (T&C apply) along with the Loan as a bundled offer.

• Loan amount offered up to AED 15 million* or 70 salary multiples, whichever is lower
• Financing up to 75% of the property value
• Loan tenor up to 25 years
• Pre - Approval facility Available for salaried & self-employed individuals

• Six months optional grace period (for Salary Transfer customers)
• ADIB paid property insurance for the full tenure
• Financing of up to 80% of property value
• No early settlement fees when selling the property
• Free partial settlement of up to 30% outstanding annually
• Salary transfer is optional
• Financing available for self-employed applicants

• Financing of up to AED 20 million for UAE Nationals
• Six months optional grace period (for Salary Transfer customers)
• ADIB paid property insurance for the full tenure
• Financing of up to 80% of the property value
• No early settlement fees when selling the property
• Free partial settlement of up to 30% outstanding annually
• Salary transfer is optional
• Financing available for self-employed applicants

Loan amount offered up to AED 15 million* or 80 salary multiples, whichever is lower
Financing up to 80% of the property value
Loan tenor up to 25 years
Pre - Approval facility
Available for salaried & self-employed individuals